Credit Analyst (ID)

Responsibilities:

• Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants' creditworthiness, financial health, and compliance with regulatory standards.
• Conduct detailed financial analyses and risk assessments to assess loan applications and ensure informed credit decisions align with the company's risk appetite
• Develop, implement, and monitor risk management strategies by identifying potential risks, recommending mitigation measures, tracking key indicators, and ensuring compliance with credit policies and regulatory guidelines.
• Effectively communicate credit decisions, collaborate with internal teams to gather insights, and provide recommendations to enhance the credit assessment process and tools.
• Maintain detailed records of credit assessments, prepare reports on activities and portfolio performance, and support management with reports and presentations.
• Stay updated on industry trends, regulatory changes, and best practices in credit risk management.
• Contribute to the development and enhancement of credit assessment models and tools.

Qualifications:

• Bachelor’s degree in Finance, Accounting, Economics or a related field.
• Proficient in Bahasa and English (Must have)
• Minimum of 2-3 years of experience in credit analysis in unsecured consumer lending.
• Experience with credit analysis software, tools, and credit scoring models.
• Proficiency in analyzing consumer bureau reports and bank statements.
• Strong understanding of KYC regulations and document verification processes.
• Attention to detail and accuracy in work.
• Ability to handle multiple tasks and prioritize effectively.
• Strong communication and interpersonal skills with an ability to work independently and as part of a team.
• Proficiency in MS Office Suite, particularly Excel and financial analysis tools.
• A strong personality who likes to build things from scratch, prioritizes learning, and wants to grow sustainably (not hyper-growth) by assuming significant responsibility.